HowToPay Expands Its Global Payment Network Options

Simplify Global Checkout: Accept Local Payment Methods Worldwide with Our Single API

HowToPay is partnered with over 12 payment providers globally to offer faster integrations to local payment solutions, making it easier for our merchants to connect via a single API to a global network of payment providers.

While we continue to make traditional credit card payment processing available, recent trends away from credit cards in favour of alternative local payments have proven that these regional methods are more popular and reliable, offering a significantly lower risk of chargebacks and fraud. HowToPay is leading the way by offering merchants faster, more secure local payment options that provide far less friction and lower KYC requirements than traditional credit card processing.

Welcome to HowToPay’s comprehensive guide to our supported global payment methods. We make it easy for merchants all around the world to transact utilising local, secure, and instant payment systems for their customers.

Below is the list of available payment options organised by global availability and key regional categories.

Key Benefits for Your Business

• Single API Integration: Connect to a vast global network of leading payment providers through one simple integration.

• Significantly Reduced Chargeback Risk: Protect your business revenue against friendly fraud by utilising customer-authorised local bank transfers.

• Lower KYC Friction: Enjoy simplified regional compliance and faster onboarding paths compared to traditional card networks.

• Optimised Customer Conversion: Minimise checkout abandonment by letting your customers pay with the trusted payment brands they use every day.

Global Payment Options (Worldwide)

Accept payments from customers worldwide in major global currencies with frictionless, instant digital processing.

• Credit & Debit Cards: Visa, Mastercard, and Maestro (processed instantly worldwide).

• Apple Pay: Instant payments via Visa or Mastercard stored in your customer's Apple Wallet.

• Google Pay: Instant payments via Visa or Mastercard stored in your customer's Google Wallet.

• Revolut Pay: Quick, secure digital payments across multiple supported currencies.

Europe & United Kingdom

Provide deep coverage across the UK and the European continent, allowing your customers to pay instantly in Euros (EUR) or British Pounds (GBP) without expensive cross-border wire fees.

• SEPA Bank Transfer (Regular & Instant): Instant and 1–3 business day euro transfers across the Single Euro Payments Area (EU/EEA).

• Faster Payments (UK): Real-time, instant GBP bank transfers within the United Kingdom.

• PayPal: Secure, instant on-ramp utilising a PayPal balance or linked funding sources (available across EU/EEA countries).

• iDEAL: Direct, real-time online banking transfers (predominantly used in the Netherlands).

• Klarna (Pay Now): Direct, instant bank transfers utilising Klarna account verification across selected European markets.

United States

Tap into the US market by offering local bank-to-bank electronic transfers in US Dollars (USD).

• ACH Bank Transfer: Secure, electronic bank-to-bank transfers across the United States (typically cleared within 1 to 3 business days).

Canada

Allow your Canadian customers to pay instantly from their local bank accounts using Canada's most popular native payment method in Canadian Dollars (CAD).

• Interac e-Transfer: Canada's leading domestic debit network, allowing secure, instant bank-to-bank payments.

South & Latin America (LatAm)

Connect directly to South America's most popular instant payment networks, allowing customers to pay securely in their local native currencies.

• PIX (Brazil): The instantly cleared, real-time payment system operated by the Central Bank of Brazil.

• SPEI (Mexico): Real-time electronic funds transfers operated by the Bank of Mexico.

• Khipu (Chile): Secure, direct bank transfer payment gateway supporting major Chilean banks.

Australia & Oceania

Offer your Australian customers the ultimate payment flexibility with their most trusted domestic payment and billing systems in Australian Dollars (AUD).

• BPAY: Australia’s most trusted and reliable bill payment facility, allowing secure, familiar bank transfers utilising a Biller Code and Customer Reference Number (CRN).

• PayID: Instant Australian bank transfers utilising a registered mobile number, email, or ABN.

• NPP Direct Entry: Near Real-Time Public Payments network utilising traditional BSB and account numbers in Australia.

Asia (Southeast Asia)

Optimise your checkout for Southeast Asian consumers with popular local e-wallets, QR codes, and bank networks in native currencies.

• QRIS & OVO (Indonesia): Leading instant QR code and mobile e-wallet payment options.

• Virtual Accounts (Indonesia): Direct local bank transfers via major local financial institutions (including Permata, Mandiri, and BRI).

• InstaPay QRph (Philippines): Real-time electronic fund transfer system utilising standardised QR codes.

Africa

Expand your reach into the South African market by accepting direct, local bank-to-bank transfers in South African Rand (ZAR).

• Local Bank Transfers (South Africa): Localised, instant bank transfer methods allowing users to transfer funds directly from South African bank accounts.

How to Get Started

Integrating our global payment network into your platform is simple:

1. Apply: Set up your merchant profile.

2. Integrate: Implement our secure, single API into your existing checkout flow.

3. Launch: Start accepting native local payments from customers globally.

Ready to expand your reach and reduce transaction friction? Apply for a HowToPay Business Account Today and scale your global sales.